Study On The Efficiency Of Commercial Banks And Its Influencing Factors

The competition between countries is more and more fierce,and the development of the economic is increasing fastly.The commercial bank is the core of the whole economic system.The developmental level of the Commercial bank affects the economical development.To a certain extent,on the situation that the development of the commercial bank is steady and rapid,the economy can grow steadily.The efficiency of the commercial Bank can reflect its development,and find out the insufficiency and optimize.The aim is to promote the development of the firm,and then make the economy develop well and quickly.However,with the progress of science and technology and the continuous development of Internet industry,the efficiency of commercial banks has been changing,and the factors affecting the efficiency of commercial banks have become diversified.In this context,the paper studies the efficiency and influence factors of commercial banks.Accurate measurement of commercial bank efficiency and influencing factors not only can provide precondition for commercial Bank's operation decision but also can reduce the difficulty of supervision,increase supervision and rationalize the resource allocation.The first step of this paper introduces the meaning and the relevant theoretical basis,and emphatically introduces the DEA model.Then this paper uses the total amount of loans and other profitable assets as output indicators,and the total amount of deposits,net fixed assets,the total number of employees as input indicators to measure the efficiency of commercial banks;Secondly,the paper analyzes the efficiency of the Bank,uses the ratio of non-performing assets,the bank scale(capital adequacy ratio),the ownership structure(setting up the fictitious variable)and the return rate of assets as explanatory variables,and studies that the large commercial banks have the highest technical efficiency and the smallest scale efficiency.The technical efficiency and scale efficiency of city commercial banks are centered,and the shareholding commercial banks are of high efficiency and the least technical efficiency.From the influence factors,the number of employees,state-owned holding,capital adequacy ratio has negative impact on the efficiency of the bank,and the total assets,private holding,fixed assets turnover and so on has a positive impact;Finally,in order to improve the efficiency of commercial banks,five suggestions are put forward,such as optimizing ownership structure,strengthening asset allocation ability,strengthening talent allocation,strengthening financial innovation and strengthening risk control.